Peter Pru Podcast Show

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There are individual stocks that beat SCHD over the past decade — but the honest version of that story is that two of the three most obvious ones, Broadcom and Texas Instruments, were already inside the broad dividend ETFs the entire time, and the third one, JP Morgan, is the stock SCHD specifically excludes. This video breaks down all three, why TXN at 5.9% of SCHD is one of the specific drivers of SCHD's 27% ye...

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2,000 shares of SCHD is not just a milestone number — it is the point where the position stops being something you are building toward and starts actively participating in your monthly financial life, unlocking 20 covered call contracts and a combined blended income of around $575 per month from dividends and occasional covered calls timed to the upper Bollinger Band. This video breaks down exactly what 2,000 shares produces today versus 10 years from now with reinvestmen...

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Three semiconductor ETFs covering essentially the same sector — but with very different concentrations, costs, and use cases — and the Motley Fool's conclusion is that SOXX actually has the hardest investment case to make of the three once you realize SOXQ offers nearly identical exposure at half the management cost. This video breaks down the honest scorecard across all three: SMH for maximum AI mega-cap concentration with TSMC and ASML included, SOXQ for the most...

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VYM is beating VIG in every timeframe that matters right now except one — and that one exception is the 10-year total return race, where VIG wins by 1.5 percentage points while VYM wins on current yield, recent three and five year performance, lower volatility, and more holdings. This video runs the full $100,000 math at both funds' 10-year annualized returns and lands on a result most comparison articles never show: VIG produces $42,000 more in portfoli...

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DRAM's 94% implied volatility produces premium numbers that look insane on screen — 10% return on collateral in a single 30-day cycle — but the premium is accurately priced because the fund already proved it could fall 44% from its June high to its July low in a matter of weeks. This video runs DRAM through the three standard wheel strategy filters — quality and comfort with assignment, options market liquidity, and dividend income during the covered call phase —...

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Every VOO vs SCHD video ends at accumulation — who has more money at year 20 — but a viewer asked the question nobody finishes: flip the switch at year 20, VOO starts selling shares for income, SCHD turns off DRIP and collects dividends, then compare the next 20 years. This video runs that full math, and while VOO wins on total portfolio value at year 20 by a wide margin, SCHD is already generating nearly double the monthly...

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The wheel strategy works until you're assigned on a stock that cuts in half and never comes back — and that is not a strategy problem, it is an underlying stock selection problem, because chasing the highest premium almost always ends with owning something you had no business holding for six to twelve months. This video breaks down exactly why dividend-paying stocks and quality income ETFs like JEPI and JEPQ pass the assignment t...

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SCHD is approaching the title of largest dividend ETF in the world, up 27% in 2026 and sitting at $104 billion in assets — and on a million dollars it generates roughly $750 more per month in dividend income than NOBL while costing almost $3,000 less per year in fees. This video runs the full income math at scale, explains why NOBL's 25-year consecutive increase requirement and equal weighting are genuine structural advantages that just don't show up in yield...

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Goldman Sachs just paid up to $2.25 billion for a four-year-old ETF company that grew to $30 billion in assets — and the price alone tells you exactly how much institutional conviction exists in the derivative income ETF category that has compounded at over 70% annually since 2021. This video breaks down what the acquisition means for SPYI and QQQI holders, why Goldman chose to buy rather than build despite already running its own competing covered call ETF...

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Most SCHD holders think of it purely as a dividend vehicle — but SCHD's top holdings like Merck, Coca-Cola, Abbott, and Chevron all have liquid options chains that can generate a second income stream from the same universe of quality companies the ETF already screens for you. This video breaks down exactly how to layer cash secured puts on individual SCHD holdings when the setup is right — lower Bollinger Band, elevated implied volatility...

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Dividend Aristocrats and Kings are the most elite income stocks in the market — but most of the celebrated names like Coca-Cola and Procter & Gamble yield 2% to 3%, and hitting 5% average yield from this group requires going deeper into the list toward names the market has assigned higher yields for very specific reasons. This video builds the exact four-position portfolio that gets there — Altria, Realty Income, Stanley Black & Decker, and AbbVie at a blended 5% yield...

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JEPQ, QQQI, and GPIQ all pay impressive monthly distributions — but what none of the fund fact sheets show is that QQQ with no overlay at all returned 31% to 34% over the trailing 12 months while every one of these covered call funds trailed it, because the same overlay that generates the income also caps the upside that QQQ holders kept entirely. This video breaks down the honest total return comparison across all three, why QQQI...

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Most dividend content shows you the income target without showing you the share count or capital required to actually get there — so this video runs the full honest math at three income levels using real SCHD numbers, then shows a second version of the same targets using 15 years of 8% dividend growth, which cuts the capital required by more than half. The $375,000 needed for $3,000 a month in 15 years versus the $1.2 million needed today is...

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Most JEPI holders collect the monthly distribution and stop there — but the same position and the same capital can generate three separate income events instead of one by layering a cash secured put before you own it and a covered call while you hold it, both timed to Bollinger Band extremes. This video breaks down exactly how the three-layer approach works on JEPI specifically, what the realistic premium math looks like on a low vo...

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The right portfolio plan for $10,000 and $100,000 are not the same strategy at different scales — they are fundamentally different phases, and forcing $100,000 strategies onto a $10,000 account is exactly how people end up in high yield ETF traps or taking on options risk they cannot absorb. This video breaks down exactly how each amount gets deployed across the three bucket framework in late 2026 market conditions, why $10,000 is an architecture building phase focused on establishing...

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Year one of living off dividends feels like a failure — $98 a month on $50,000 in VYM barely covers a utility bill, and nobody talks about how uninspiring that early experience actually is because it sounds like an argument against the strategy. This video shows exactly what the same position looks like at year five and year ten using real VYM numbers, why the investors who quit in year two or three stop the engine...

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QQQI's 14% yield is what attracts most people to the fund — but what most holders do not fully understand is that a significant portion of those monthly distributions are not income at all, they are return of capital, which means the fund is handing your own money back to you while quietly reducing your cost basis and building a deferred tax bill that arrives all at once when you sell. This video breaks dow...

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SPMO has beaten VOO in every major time period over the past 10 years — and the $180,000 outperformance on $100,000 starting capital is a real number that deserves serious attention before you dismiss momentum investing as a gimmick. This video breaks down exactly how SPMO works, why the 10-year outperformance is not an accident, and the one risk that almost every comparison article skips over — that momentum factor reversals are not theoretical, they are documented sha...

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SOXX just entered bear market territory — down more than 20% from its June 2026 high after returning over 80% year-to-date — and the pullback is being driven by macro sentiment, oil prices, and short-term positioning fatigue, not by any deterioration in semiconductor fundamentals. This video breaks down exactly why that distinction matters when deciding whether a dip is worth buying, how SOXX fits into the accumulation bucket alongside QQQ as a pure semiconductor play rather than broad...

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SCHD and SCHG are both Schwab ETFs, both cheap, both large cap US equity — and they have a correlation of 0.07, meaning they are essentially opposite investments that respond to completely different market conditions. This video breaks down why a dividend fund is beating a growth fund by more than 15 percentage points in 2026, what the 10-year total return data actually shows when the numbers favor SCHG, and why the 0.07 correlation makes holding both mor...

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Most investors do not have a portfolio — they have a collection of ETFs accumulated over years with no clear connection between them and no defined role for any single position. This video breaks down the three bucket framework used to structure everything around three distinct jobs: long-term accumulation with SPY and QQQ building cost basis for a future retirement covered call strategy, the active income engine running cash secured puts and covered call...

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The wheel strategy works — but the version most people are running only captures two of the five income events built into the same position, same capital, same underlying stock. This video breaks down all five layers of the ARK strategy — put premium, collateral interest, covered call premium, the dividend, and exit appreciation — and why plugging each of those holes does not require more capital or more risk, just a better system and the right...

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Blackrock just launched IQQ — a new Nasdaq 100 ETF with a 0.10% expense ratio that is cheaper than both QQQ and QQQM — and the real question is not which one has the lowest fee, it is which one actually matches how you plan to use the position. This video breaks down the three practical costs that matter beyond the expense ratio, why QQQ's options market liquidity is irreplaceable for anyone running covered calls, and why swi...

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Most people pick covered call ETFs for their Roth IRA based on yield alone — and that single mistake means they are putting the wrong funds in the wrong account and wasting structural advantages that only work in a taxable brokerage. This video breaks down exactly why SPYI and QQQI belong in a taxable account where their Section 1256 treatment and return of capital classification actually save you money, why JEPI and JEPQ belong in t...

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VGT and QQQ get treated like the same fund with different tickers — but they answer completely different questions about how to own tech, and the differences in what they actually hold, what they cost, and how they have performed over 10 years matter more than most people realize before making that decision. This video breaks down the full comparison across 10-year returns, maximum drawdown history, expense ratios, Sharpe ratio, and liquidity — including why VGT...

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There is a clear winner in the 10-year total return race between VOO, QQQ, and SCHD — but the winner changes completely depending on whether you are measuring total return, risk-adjusted return, monthly income, or 2026 year-to-date performance, and that distinction is exactly what most comparisons skip entirely. This video breaks down all four scoreboards with real numbers, including the 2026 data point that has SCHD beating both QQQ and VOO by a wide margin this...

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DIVO has outperformed SCHD by more than two percentage points annually over the past five years — but that number only tells part of the story when you factor in a 9X higher expense ratio, a fundamentally different income structure, and the 2026 market rotation that has SCHD running circles around DIVO over the past year. This video breaks down both funds across total return, current yield, dividend growth predictability, downside protection, and cost efficie...

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The 90% win rate gets thrown around constantly in options content but almost nobody explains what it actually means — it is a probability built into the strike you select, not a guarantee that you will be profitable 90% of the time, and that distinction explains why some people run this strategy successfully for years while others blow up an account doing the exact same thing. This video breaks down where the 90% win rate actually co...

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Seven years of holding SCHD taught me that the most important thing about building real wealth has almost nothing to do with yield, dividend growth rate, or how the fund compares to VOO on a backtest — it is that durable wealth is built in the years that feel like absolutely nothing is happening, and most people quit before they ever find out. This video covers four honest lessons from seven years of holding...

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For years I held quality stocks that went completely sideways and collected almost nothing while the same position had five separate income opportunities sitting inside it that I was completely ignoring. This video breaks down the ARK strategy — five layers of income from one quality position including getting paid to wait before you own the stock, interest on your collateral, monthly covered call premium, the dividend, and appreciation at exit — and why a flat mar...

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FDVV has outperformed SCHD by more than 4% per year over the past five years — but when you run the full 10-year math on $100,000 in each fund, including dividend growth, income at year 10, expense ratio drag, and drawdown risk, the comparison gets a lot more interesting than the headline number suggests. This video breaks down exactly what each fund is actually betting on, why SCHD is producing nearly identical income at year 10 despite...

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Most people ask how much they need to start the wheel strategy — the better question is how much they need to start it correctly, with a quality stock, a real reserve, and enough capital left over to absorb a bad outcome without freezing the entire account. This video breaks down the honest capital thresholds from the $2,500 technical minimum to the $5,000 to $7,500 functional floor where the strategy actually becomes workable, and explains exactly...

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Most people assume you need a million dollars to live off investment income — but that assumption is built around 1 to 3 percent dividend yields, and a generation of covered call ETFs has completely changed that math. This video breaks down exactly how much capital JEPI, JEPQ, SPYI, and QQQI require to generate $2,000, $3,000, and $4,000 per month at current yields, why the tax treatment changes which fund belongs in which account, and why NAV sustainabili...

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There is a specific share count with SCHD where the position stops feeling like something you are building and starts feeling like something that is actually working — and that number is 1,500 shares. This video breaks down exactly what 1,500 shares produces today in dividend income, what the covered call layer adds on top of that, and what the same position looks like in 10 years if the dividend continues growing at its current rate. Th...

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Most investors pick monthly income ETFs by looking at the yield number and stopping there — and that single mistake is why so many people end up in the wrong fund, in the wrong account, with a tax bill that quietly erases the yield advantage they thought they had. This video breaks down seven monthly paying ETFs across three structural categories, explains how each one actually generates income, and covers which account type — R...

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Generating $1,000 a month in dividends is real — but the capital required to actually get there is the number most dividend content never shows you, and it is a lot bigger than the thumbnails imply. This video breaks down exactly how much capital you need at each yield level across Realty Income, AT&T, Altria, and JEPI, what the honest trade-off is behind every higher yield number, and why this is a 10 to 20 year...

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SCHD just hit all-time highs and is beating the S&P 500 by nearly 15 percentage points year-to-date — and the question showing up everywhere right now is whether to stop dollar cost averaging at these levels. This video breaks down exactly what has changed at current prices, what has not changed at all, why pausing DCA at a new high is just market timing with a different label, and the one data point from 2026...

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VGT has outperformed VOO by nearly 10 percentage points per year over the past decade — and that gap is real, the math is not close, and anyone holding VOO should understand exactly what is driving it and whether it is likely to continue. This video breaks down the honest 10-year return comparison on $100,000 in each fund, what the drawdown reality actually looks like at 54% versus 33%, and why the income and covered call retirement...

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Most FIRE portfolio content gives you 8 to 12 funds with complicated rebalancing rules and withdrawal assumptions that break the moment the market stops cooperating — I run three, and each one has a specific job that the others cannot do. This video breaks down exactly why SPY and QQQ are not income plays today but are being built as the foundation for a far out of the money covered call income strategy in retirement, a...

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Most retirement plans are built around one assumption — at some point, you start selling shares. This video breaks down why the 4% withdrawal rule creates a real sequence of returns problem, how SCHD's dividend growth has historically outpaced inflation, and why a large portion of retirees collecting qualified dividends may owe zero federal tax on that income. If you can build the position, the never sell strategy solves problems that withdrawal-based retirement plans